Category: Money

Singapore bonds market seems to be heating up the past few months. There was the Singapore Savings Bonds (SSB) in September 2015, followed by Astrea PE Bond in June 2018 and Temasek Bond in Oct 2018. I was not sure if it is because I only gained more awareness of the Singapore bonds market recently. Read More …

Introduction – the longest bull run In 2017, the Dow hit a record high 71 times. In 2018, the S&P reaching an all time high during the 9 year global bull run. On 22 Aug 2018, it officially became the longest bull run in history for S&P and it was almost impossible to tell then Read More …

The most common investment advice that I have heard for the past year is: Buy ETFs. Almost everyone I know who is a little savvy about investments is advocating for ETFs, specifically Index ETFs. Best of all this investment strategy is so easy to execute that almost everyone, regardless of his or her level of Read More …

10 years after the collapse of Lehman Brothers Just last week, 15th Sep 2018 marks the 10 year anniversary of the collapse of Lehman Brothers. The incident is still fresh in the minds of many people. The internet gets flooded with articles of lessons learned from 10 years ago. All the articles focused on learnings Read More …

If there is an area of banking that think banks are most aggressive in their marketing, it’d be in the marketing of credit cards. Their advertisements are everywhere. Previously, they are on newspaper, Mass Rapid Transport panels, taxi, and television. But now, with social media and search engine optimization technology, I see them on my Read More …

Before I was able to reduce my expense, I need to know where I am spending my money. I have been diligently using Expense Manager to track my expenses for 2 years. i.e. I would key in the spent inmy handphone after every meal, after every haircut, etc. The last review of my expenses was Read More …

There is always this cloud hanging over the head of beginners on how to get started on managing their personal finance. From Money Bull’s and Thinking Bear’s First Principles. Principle 1: Be aware of your money and your relationship with money Principle 2: Cash Out flow should be less than Cash In flow Principle 3: Read More …

Following from the First Principles of Money Management, we derive the basic components of personal finance Principle 1: Be aware of your money and your relationship with money First, some work was required to go through the monthly statements and collate them into an excel. It’d require a discipline to take a regular snapshot of Read More …

Money Bull and Thinking Bear (MBTB) tries to break down the complicated webs of personal finance into simple bite size topics based on ‘First Principles Thinking‘. Conceptually, personal finance is about managing cash flows. Without going into the various specific various streams of cash flows, the basic elements of Personal Finance are :- Managing the Read More …